Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0 Kudos

Imaginary 12 Month INQ Threshold

I pulled all three CR's tonight and built a spreadsheet with all of my INQ's, detailing where each one falls off at 24 months and also when they age > 12 months. It really was an eye opener to see the data presented this way - makes me wonder why I apped this month (blaming the Mayans for now).


According to the AMEX letter I just received confirming my BCE approval, I was given a "less favorable rate..." and listed among the reasons why I'm likely to soon be featured on Cops was "too many INQ's in the last 12 months". The letter also claimed to reference TU but if that's true then there were only 2 INQ's. Since I see all three CR's took an INQ I guess that means they saw six. So basically AMEX told me three things:
1, Your CR was sketchy enough to pull the all three CR's.
2, Six INQ's across all three CR's is too many in a year.
3, Welcome back to the AMEX family (scratches head).


So what's the magic INQ number (and don't say zero)?

GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Imaginary 12 Month INQ Threshold

I think it's a YMMV across lenders. At my not-so-brite-credit-days I had 30+ inquiries each on EQ and EX, and 10 or less on TU, and most all were less than a year. Even with the high inquiry count I was still being approved for CCs, and denied for others with one of the many denials listed due to inquiries. Fast forward, I went cold turkey and had 1 inquiry reporting when I app'd for a CC once. I was denied due to too many inquiries. Every lender has their own standards and rules.

Established Contributor
Posts: 850
Registered: ‎02-11-2012
0 Kudos

Re: Imaginary 12 Month INQ Threshold

+1. Also, depending on what information is in your  credit report(s) could also trigger multiple reports being pulled on an application. Some contributors here have been pulled by all three reporting agencies for Chase or Amex cards. Personally, I have never been checked on more than one cra for any credit card I have  obtained.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Community Leader
Epic Contributor
Posts: 29,575
Registered: ‎03-19-2007
0 Kudos

Re: Imaginary 12 Month INQ Threshold

The very fact that FICO and the CRAs have a different interpretation of the value of inquiries to creditors in determining risk shows their subjectivity.


FICO has concluded that inquiries lose their risk-predictive value when older than one year.  The CRAs view the potential value to their clients as extending for two years.

Creditors wont see their impact in the FICO scores they review after one year, but can still chose to consider them of value in their determinations.

It's hard to put a "magic number" on a totally subjective determination.


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.